Charlo Maurer

Further information about Charlo Maurer:

In 1996 I completed my training as a financial planner through the College for Financial Planning in Colorado. The program required the completion of five courses in the areas of retirement planning, insurance, taxes, investing, and estate planning.

My previous education and professional experience are in the fields of education and communication disorders.

Peace of Money

Peace of Money was formed in 1998 as an independent private practice in Watertown, Massachusetts. Through Peace of Money I advise clients in all areas of financial planning.

By serving my clients for a flat hourly fee, I can provide as much or as little support and advice as each client needs.

Typical Clients

- Single Women and Men
- Newly Married or Unmarried Couples
- Same-sex Couples
- Families with Children
- Retirees
- Philosophy of Investing

My investment philosophy is centered around balancing the risks and rewards of particular investments, matching investments to clients' goals, differentiating between short and long term needs, and stressing the importance of diversification.

Socially responsible investing and banking are particular interests of mine. They can be used as part or all of a client's investments.

Recommendations of mutual funds will include index funds, funds with no loads and low fees, tax-efficient funds, and those with consistent performance and lower risk.

Priorities as a Planner

As an educator, I enjoy teaching my clients about the basics of wise financial planning and investing.

Being an independent fee-only planner enables me to provide clients with personalized objective advice. I accept no commissions and do not sell any investment products or insurance products. Fee-only means that you pay only for the time that I work for you, never a commission for any investment product.

Registration with the State of Massachusetts

I am a registered investment advisor in the state of Massachusetts. For further information, contact the Massachusetts Security Division at 617-727-3548.

Compensation and Fee Structures:

Face-to-Face Hourly Planning

Face-to-face planning is an interactive process in which we work together to arrange your finances wisely and generally to get your financial life in order. You may have particular areas of concern, and I might suggest others that you need to focus on. We meet as frequently as you choose to answer your questions and to accomplish your goals. Together we create an action plan for you to follow for the short and long term.

My hourly fee is $160. Appointments are generally for one hour to an hour and a half. The overall initial cost depends greatly on the degree of complexity of your finances and how many areas you would like to cover.

Payment is due at the close of every meeting. Reduced fees are considered for clients with low income and few assets. Sessions must be cancelled at least 24 hours in advance to avoid being charged for time scheduled.

Annual Retainer

If you are looking for greater support and supervision of your finances, I offer a retainer relationship. For an annual fee based on your net worth and income, I will provide up to 10 financial planning meetings and support as well as the management of your investments at either of two brokerage firms, Charles Schwab or T.D. Ameritrade. I create well-diversified portfolios of mutual funds which are appropriate for your level of risk tolerance and your life circumstances. Portfolios can be limited to socially responsible investments if so desired.

Tax Preparation

I offer tax preparation only to clients. It can benefit our financial planning work for me to understand the ins and outs of your tax circumstances, and it also helps my tax preparation to know your financial life from all angles.

Licenses, Certifications & Affiliations:

Not specified

Education:

B.A. M.S.

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Further information about Peace of Money:

(Size of firm: 0-9 advisors)

Peace of Money is an independent fee-only financial services firm which offers asset management and comprehensive financial planning.

Tax preparation is offered as well as planning for all areas of personal finance. An emphasis is placed on protecting clients' assets to ensure a secure future.